The percentage of costs of a covered health care service you pay after you’ve paid your deductible. For example, your health insurance plan’s allowed amount for an office visit is $100 and your coinsurance is 20%. If you’ve paid your deductible; you pay 20% of $100, or $20. The insurance company pays the rest. If you haven’t meet your deductible; you pay the full allowed amount, $100.

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